BMO Harris Mobile Banking®1

Mobile Banking

What is BMO Harris Mobile Banking®?

BMO Harris Mobile Banking is an easy way to do your banking on the go right from your smartphone or tablet. You can either download the App for the iPhone®, iPad® or Android™, or go to bmoharris.com using the web browser on your mobile device.

What exactly can I do with BMO Harris Mobile Banking?

With Mobile Banking you can deposit checks2, view account balances and recent account activity, transfer money, pay bills3, find ATMs and branch locations and schedule an appointment at a branch.

How do I start using BMO Harris Mobile Banking?

To use mobile banking you first need to be enrolled in BMO Harris Online Banking®. You can enroll in online banking from bmoharris.com. Once enrolled, you can visit bmoharris.com from your mobile phone to begin using BMO Harris Mobile Banking, or you can download the BMO Harris Mobile BankingSM App directly from the App Store™ or Google Play™.

How much does this service cost?

Does BMO Harris Mobile Banking work on any type of phone or tablet?

There is a BMO Harris Mobile Banking App designed specifically for iPhone®, iPad® and AndroidTM device. You can download the free App from the App StoreTM, Google PlayTM. You can also access BMO Harris Mobile Banking from any phone or tablet by visiting bmoharris.com from its web browser.

How often do I need to download the BMO Harris Mobile Banking App?

As we continue to improve our mobile banking experience, we will periodically update the App to create a better mobile banking service. Please watch for updates from Google Play™ or the App Store™ to ensure you are using the latest version of the App.

Is the BMO Harris Mobile Banking service secure?

Yes, mobile banking is secure4. No identifiable account data is stored on your phone. The BMO Harris Mobile Banking1 service uses best practices from BMO Harris Online Banking, including your customized User ID and Password, 128-bit SSL encryption, and data encryption4. And if your phone is lost or stolen, we can help you anytime 24/7 by immediately disabling your service and reviewing your recent account activity. Just call 1-888-340-2265.

What security measures are in place to protect my payment and account activity?

Our Online Guarantees5 that protect you when you use online banking also apply to mobile banking. As part of these guarantees, we will reimburse you for unauthorized transactions to your personal banking accounts resulting from fraud through BMO Harris Mobile Banking. Learn more about how to protect your mobile banking activity.

I'm not enrolled in BMO Harris Online Banking. Can I still use BMO Harris Mobile Banking?

You first need to enroll in BMO Harris Online Banking before you can start using mobile banking. It only takes a few simple steps. Visit bmoharris.com to get started.

Is the BMO Harris Mobile Banking service always available?

BMO Harris Mobile Banking is available 24/7, with the exception of regularly scheduled maintenance windows, which occur every Sunday from midnight to 5:30 a.m. Central Time.

Which accounts can I access through BMO Harris Mobile Banking?

What is BMO Harris Mobile Deposit?

BMO Harris Mobile Deposit2 lets you deposit a check into an eligible BMO Harris Checking, Savings, or Money Market account using your iPhone®, iPad® or Android™ device. You must be a customer of BMO Harris Bank for at least 90 days prior to becoming eligible for BMO Harris Mobile Deposit.

Why can't I access BMO Harris Mobile Deposit?

To access Mobile Deposit2 through the iPhone®, iPad® or Android™ App, you must have at least one eligible BMO Harris Checking, Savings, or Money Market account.

How much can I deposit through BMO Harris Mobile DepositSM?

Customers can deposit up to $5,000 over five Business Days through Mobile Deposit2.

What types of checks can I deposit through BMO Harris Mobile Deposit?

Most U.S. personal, business, and federal checks are accepted for deposit. U.S. Savings Bonds, foreign checks, and many rebate checks will not be accepted by BMO Harris Mobile Deposit2. If you have questions, please call 1-888-340-2265 to speak with a personal banker.

My check was successfully deposited. When will the funds be available for withdrawal?

Deposits through BMO Harris Mobile Deposit2 are processed based on the time the deposit was submitted. If we receive the deposit on or before 7:00 p.m. Central Time (CT) on a Business Day, we will consider that day the day of deposit. If we receive the deposit after 7:00 p.m. CT, or on a weekend or other non-Business Day, we will consider the next Business Day as the day of deposit. For approved checks deposited into Checking Accounts, the first $200 of the deposit will be available 1 Business Day after the day of deposit. Any amount in excess of $200 will be available 2 Business Days after the day of deposit. For approved checks deposited into Savings or Money Market accounts, all funds will be available 2 Business Days after the day of deposit.

How long should I keep the original check after I deposit it?

Please keep the original check for 15 Business Days after you have deposited it. Once 15 Business Days have passed and you have verified that the money has been credited to your account, you should shred the check before discarding it. Do not attempt to deposit the check again.

Why are my check images being rejected?

It could be because the image wasn't clear enough. For the best results, lay your check on a flat, dark surface with adequate lighting. Hold the camera steady and make sure all four corners of the check are captured. Also make sure you have endorsed the back of the check.

Who can I call if I have questions about Mobile Deposit?

If you have any questions about Mobile Deposit, please call 1-888-340-2265 to speak with a Contact Center Banker.

Troubleshooting

What if my mobile device is lost or stolen?

If your mobile device is lost or stolen, or you are worried that it is being misused, contact your mobile service provider immediately to stop all wireless service. We can also help by you by disabling your mobile banking service and reviewing your recent account activity. Just call us anytime, 24/7 at 1-888-340-2265.

BMO Harris Mobile Deposits is available for iPhone,® iPad® and Android™ Apps only. Users must be BMO Harris Online Banking® customers who have had a BMO Harris account for more than 90 days. Deposits are not immediately available for withdrawal. For details, please see the BMO Harris Mobile Banking End User Terms found at bmoharris.com/legal.

Available to BMO Harris Bill Pay customers only. Add bill payment to your online banking account by signing on and clicking the Payments tab, then the Enroll button.

Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking Services Agreement for full details. In addition to the BMO Harris Online Guarantees, Consumer Financial Protection Bureau Regulation E provides certain protections for consumers when unauthorized electronic funds transfers occur on an account used primarily for personal, family, or household purposes. The BMO Harris Online Guarantees are intended to expand upon the rights and protections provided for personal accounts under Regulation E. For more details regarding Regulation E and unauthorized electronic funds transfers for personal accounts, see Section 5 of the Deposit Account Agreement for Personal and Business Accounts.

Banking products and services are provided by BMO Harris Bank N.A. and are subject to bank and credit approval. BMO Harris® and BMO Harris Bank® are trade names used by BMO Harris Bank N.A. Member FDIC.

Notice to Customers

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide a copy of your driver's license or other identifying documents. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If the requested information is not provided within 30 calendar days, the account will be subject to closure.

Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.

BMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of BMO Financial Group.

This information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. BMO Harris Bank N.A. and its affiliates do not provide legal or tax advice to clients. You should review your particular circumstances with your independent legal and tax advisors.